Hospital & Surgical Benefit
Daily hospitalisation income and surgical benefit plan.
Hospital and Surgical Benefit rider provides coverage based on the period of confinement to a licensed hospital due to illness or injury occurring more than 30 days after the issue date or date of reinstatement. All benefits provided in these riders are applicable worldwide for 24 hours a day.
- Daily hospital income benefit
- Provides surgery fee and anaesthetist fee benefits
Insured: 14 days old to 55 years old. Policyholder: 18 years old and above.
The rider coverage term is up to Life Assured's age 60 or maturity of basic plan, whichever earlier.
Upon acceptance of proof of hospitalisation and surgery, this rider will pay:
| HOSPITALISATION IN | LIMIT |
| Government hospital and government licensed private hospitals in Singapore, Malaysia and Brunei | Purchased daily benefit for period of hospitalisation up to 500 times the daily rate of compensation. |
| Hospitals other than those stated above | 50% of the purchased daily benefit for period of hospitalisation up to 500 times the daily rate of compensation. |
| Surgery fee | As charged (Subject to the limit of 30 times the daily rate of compensation for each operation and to an overall limit of 500 times the daily rate of compensation). |
| Anaesthetist fee |
In respect of hospitalisation and surgical benefit due to illness, a lien is applicable as follows:
| AGE OF INSURED AT LAST BIRTHDAY WHEN HOSPITALISED | PERCENTAGE (%) OF DAILY BENEFITS |
| 0 | 50 |
| 1 | 75 |
| 2 and onwards | 100 |
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The benefits payable are protected by PIDM up to limits. Please refer to PIDM TIPS brochure or contact Zurich Life Insurance Malaysia Berhad or PIDM.